BY vs GABC: stock comparison and AI forecast
Byline Bancorp, Inc. (BY) and German American Bancorp, Inc. (GABC) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
BY Byline Bancorp, Inc.
- Price
- $38.12 +14.3% · 6M
- Market Cap
- $1.72B
- P/E Ratio
- 11.7x
- Size
- small-cap
- AI Forecast
GABC German American Bancorp, Inc.
- Price
- $50.08 +13.6% · 6M
- Market Cap
- $1.88B
- P/E Ratio
- 11.9x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- BY and GABC have similar market capitalizations ($1.72B and $1.88B).
- BY trades at 11.7 times trailing earnings, GABC at 11.9 times.
- Over the last six months BY returned +14.3% and GABC +13.6%.
- BY turns 35.1% of its revenue into net income, against 28.8% for GABC.
- BY carries 6.76 times debt per unit of equity, against 6.29 times for GABC.
- GABC yields 2.42% in dividends and BY 1.27%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | BY | GABC |
|---|---|---|
| Market Cap | $1.72B | $1.88B |
| P/E Ratio | 11.73x | 11.90x |
| P/B Ratio | 1.35x | 1.63x |
| Dividend Yield | 1.27% | 2.42% |
| EPS | $3.25 | $4.21 |
| Book Value/Share | $28.22 | $30.71 |
| Revenue/Share | $9.71 | $13.47 |
| FCF/Share | $4.14 | $4.36 |
Profitability & Margins
| Metric | BY | GABC |
|---|---|---|
| ROE | 12.1% | 12.6% |
| ROA | 1.6% | 1.7% |
| Net Margin | 35.1% | 28.8% |
| EBT Margin | 46.7% | 36.0% |
| Tax Rate | 24.9% | 20.1% |
Financial Health
| Metric | BY | GABC |
|---|---|---|
| D/E Ratio | 6.76x | 6.29x |
| Financial Leverage | 7.76x | 7.29x |
Cash Flow
| Metric | BY | GABC |
|---|---|---|
| Operating Cash Flow | $190M | $171M |
| Free Cash Flow | $187M | $164M |
| Capital Spending | -$3M | -$7M |
| OCF Growth YoY | 41.1% | 17.7% |
| FCF Growth YoY | 45.1% | 16.1% |
| FCF/Sales | 42.6% | 32.4% |
| CapEx/Sales | 0.6% | 1.5% |
Operational Efficiency
| Metric | BY | GABC |
|---|---|---|
| Asset Turnover | 0.04x | 0.06x |
| Fixed Assets Turnover | 7.9x | 3.7x |
Income Statement
| Metric | BY | GABC |
|---|---|---|
| Total Revenue | $439M | $506M |
| Net Income | $154M | $146M |
Dividend & Shareholder Information
| Metric | BY | GABC |
|---|---|---|
| Dividends Per Share | $0.48 | $1.21 |
| Payout Ratio | 14.8% | 28.7% |
| Shares Outstanding | 45M | 38M |
| Net Income Growth | 22.4% | 45.4% |
| EPS Growth | 13.6% | 31.1% |
BY vs GABC: stock comparison and AI forecast
Which is bigger, BY or GABC?
BY and GABC have similar market capitalizations ($1.72B and $1.88B).
Which is cheaper on earnings, BY or GABC?
BY trades at 11.7 times trailing earnings, GABC at 11.9 times.
Which stock performed better over the last six months, BY or GABC?
Over the last six months BY returned +14.3% and GABC +13.6%.
Which one does Intratio's AI model rank higher, BY or GABC?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.